Mr. Cormac McCarthy:

The Financial Regulator did not object to us launching the product. We had a dialogue with the Financial Regulator about aspects of the product. They asked us some questions and we replied. I think the ... the thing that Mr. Goggin was referring to was the Financial Regulator did talk to all the financial institutions about introducing higher capital charge for increased loan-to-value products. So, what happened subsequent to the introduction of first ... 100% mortgages and higher LTV mortgages, was the regulator put a higher capital requirement on those loans. And that, I think, I may be mistaken ... I think that's what Mr. Goggin referred to because the regulator-----